The mobile payment panel at Gilbarco Retail Technology Conference got some great discussion going about how this new form of payment will actually happen in our industry. Mobile payment providers , Isis , PayPal , MCX and National Payment Card Association, offered a unique, four player discussion around the future of mobile payment in the convenience store industry. The panel discussed consumer buying behavior and the ubiquity of mobile phones, as well as the projected drivers of wide scale mobile payment adoption. PayPal’s value proposition, outlined by Matt Riley, includes the ease with which the retailers can transfer their private label apps to the PayPal app for ease of consumer implementation. The merchant value proposition was a key area of focus for Peter Guidi of National Payment Car d Association: merchants must get a reduction in swipe fees, an increase in sales and an affordable way to reward loyal customers in their mobile payment solution. MCX’s Dodd Roberts cited as well the requirement of a superior customer experience and merchant ownership of the data resulting from these transactions as critical to the ultimate success. Doug Kilgour of ISIS rounded out the panel with an entreaty to the retailers to engage in mobile, noting “If you haven’t done anything yet, you’re already late.”